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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,911 | $29,733+71.2% | $56,025-9.1% | $80,959-37.1% |
| Participation rate | 68.0% | 41.7%+26.3pp | 52.5%+15.5pp | 67.7%+0.3pp |
| Annual return | 13.30% | 35.28%-22.0pp | 1712.69%-1699.4pp | 35.67%-22.4pp |
| Employer contribution / active EE | $407 | $672-39.4% | $1,042-60.9% | $2,757-85.2% |
| Participant deferral / active EE | $6,830 | $1,229+455.6% | $1,955+249.5% | $4,300+58.8% |
| Admin fee / account holder | $789 | $2,434-67.6% | $2,828-72.1% | $6,925-88.6% |